{"id":10192,"date":"2022-10-31T16:28:55","date_gmt":"2022-10-31T21:28:55","guid":{"rendered":"https:\/\/ciudapolis.com\/blog\/?p=10192"},"modified":"2024-07-11T07:13:42","modified_gmt":"2024-07-11T05:13:42","slug":"terrenos-con-facilidades-de-pago","status":"publish","type":"post","link":"https:\/\/ciudapolis.com\/en\/blog\/terrenos-con-facilidades-de-pago\/","title":{"rendered":"Land with payment facilities in Peru, an excellent choice"},"content":{"rendered":"

In Peru, the real estate sector comes recovering little by little. According to the findings of the Peruvian Chamber of Construction (Capeco) in 2021, the real estate sector would get a rise greater than 7% on the year. The Association of real Estate Companies of Peru (ASEI), also agreed with that optimism and said that the time was right to buy a certain department.<\/h3>\n\n\n\n

To do this, there are different ways to finance the purchase of your department or field. Here are the most important according to the peruvian real estate market today:<\/h3>\n\n\n\n

Ways to finance the purchase of your terrain:<\/strong><\/h2>\n\n\n\n

1. Mortgage credit:<\/strong><\/h3>\n\n\n\n

All financial institutions provide <\/strong>loans to secure funding for up to 80% and 90% of the total value of the land<\/strong><\/a>.<\/strong> In other words, the buyer, usually, you must have at hand an initial fee which represents between 10% and 20% of the total price. This depends on the financial institution and real estate. These loans are long term and can be paid off in 15, 20 or 25 years.<\/h3>\n\n\n\n

2. Direct credit of the real estate:<\/strong><\/h3>\n\n\n\n

It is an alternative to mortgage credit because that is when the buyer makes payments for the purchase of the land directly to the account of the estate. The purchase process is the same, what differs is that the minimum down payment is 30% of the total value and the rest is paid in monthly installments during the course of the work.<\/h3>\n\n\n\n

IMPORTANT:<\/strong> If this fits for you. Look at the land we have here<\/strong><\/a> and questions about the payment facilities we have.<\/h3>\n\n\n\n

3. Options for independent:<\/strong><\/h3>\n\n\n\n

For the approval of a mortgage loan, the financial institutions must request financial information such as the latest pay slips. This can become a problem in the case of independent workers. However, the municipal savings and cooperatives have options that can help this group of people. In this case, you should take into consideration that usually supported by a lesser amount, have a higher rate of interest, and claim a higher amount as down payment.<\/h3>\n\n\n\n

4. Savings Plan:<\/strong><\/h3>\n\n\n\n

This is a method that banks provide nothing more than a group of young people, or that do not have a credit history. In the savings plan, the client and the financial institution to come to an agreement to delimit the amount will be deposited each month, so as to demonstrate that the interested buyer has the ability of savings needed to pay for a mortgage and buy a plot of land. This amount is saved for six months to a year, it will be used for the initial fee.<\/h3>\n\n\n\n

5. Credit MiVivienda:<\/strong><\/h3>\n\n\n\n

This fund was made by the Ministry of Housing, which provides loans for real estate which are in the range of s\/.61,200 s\/.436,100 suns. The buyer must to have on hand for 7.5% of the total value of property or land as down payment, and, as a requirement, you should not have any other property. This type of projects are able to enter the Green Bond, real estate eco-friendly, and the Bonus of Good Payer, which involve savings of between 10% and 15% of the monthly fee<\/h3>\n\n\n\n

All that is needed to buy a plot of land:<\/strong><\/h2>\n\n\n\n

If you already decided which type of financing are adapted to your situation to acquire the land, then it is important to mention a few details before you make the purchase. With this, you can ensure that your investment provides beneficial results.<\/h3>\n\n\n\n
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